Concept saling of insrance product
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LIC policy is very easy to sale with concept
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Concept saling of insrance product
- 1. Concept Saling Of INSURANCE Product By Avinash Singh Mumbai Div II www.wanttobelicagent.in Avinash 9967398599
- 2. 3 Concepts • HLV (HUMAN LIFE VALUE) • HAPPY BILL CONCEPT • NEED BASED HAPPY FAMILY Avinash 9967398599
- 3. HUMAN LIFE VALUE • Concept established by Prof. Solomon Huebner • It is the capitalized value of an individual’s earning that supports family, dependants and business partners Avinash 9967398599
- 4. HLV Earning 10 lac per annum Means Expences on Famly would be 6 lac Expences on personal 4 lac Suppose Present Age 35 yrs Retirement age 60 yrs Family suffer Incase of Death 25 (60-35)× 6 lac ˭150 lac(Insrance cover needed) Note- Future increased earning and increased expences is considerd same Avinash 9967398599
- 5. HAPPY BILL CONCEPT FOOD 30% Child education 20%Medical 5% LOAN 6% Holidays 5% Fastival 4% Entertainmen 3% Misc 7% Savings 20% YOUR YRLY EXPENCES Avinash 9967398599
- 6. HAPPY BILL CONCEPT FOOD 30% Child education 20%Medical 5% LOAN 6% Holidays 5% Fastival 4% Entertainmen 3% Misc 7% Savings 20% YOUR YRLY EXPENCES Avinash 9967398599
- 7. NEED BASED HAPPY FAMILY Avinash 9967398599
- 8. NEED 1Cr For child future Provisions If Fail to provision then ???? Loan for 1Cr and have to repay 2 cr in instalent AGE 35yrs Son1yr Have options Like Bank Mutual fund Post Share mrkt Real estate Etc Is threre Risk Cover? Ans -No Need Is 40 lac as SA insurance Plan Will Have to Pay 40 lac Gradualy in instalments If today i fail to arrange 40 lac for 20 yrs I have to pay 2Cr at my old age.Ratio(1:4) Mean for 1 rupee have to pay 4 rupees Avinash 9967398599
- 9. Want to be lic agent in Mumbai Visit www.wanttobelicagent.in Avinash 9967398599